Similar to the rest of the nation, car owners in Las Vegas want the cheapest car insurance rates. Without a comprehensive car insurance plan in Las Vegas you could face a heavy fine and also have your driving license suspended for some time. There are several guidelines to finding economical car insurance and you may need to talk to an agent to find out what discounts and reductions you are eligible to qualify for.
Unfortunately, Las Vegas being one of the states with the highest vehicle theft rates makes car insurance relatively more expensive than most other states in the US. Other factors that affect your insurance quotes include:
The age of the driver greatly affects the insurance rates in Las Vegas as young adults are most likely to over speed and cause accidents. Teenage drivers are also involved in drunk driving, which has become a major cause of accidents in the past couple of decades.
The make and model of your car obviously play the greatest role in setting up your whole insurance policy. If you have a car that belongs to the list of high risk of theft you are likely to pay a heavier premium. Sports cars are also more likely to have a higher premium than the latest models of SUV’s and other cars. . One surprising fact though, more than half the vehicles stolen in Las Vegas in 2008 were more than ten years old, increasing the premium on these cars in the following year.
Your driving record may affect the insurance quote you get more than anything else. All the speeding tickets and accidents in your record may make you look like a rash driver, hence prone to more accidents. In certain states including Las Vegas, insurance companies have a safe driver discount, for which you can qualify if you have a maximum of 3 tickets and 2 minor accidents a year.
If you have travelled a lot in your car in the past 1 year or so, you will probably have to pay a higher premium. Keeping your car mileage to a minimum could qualify you for some discounts too. Although not all insurance companies offer these discounts, it would be wise to check up on those that do.
Combine Your Insurance Policies
Customers who buy multiple policies are usually offered high discounts. You could save a lot by combining your health, house and car insurance, buying them from the same company.
Safety Devices and Locks
If your car is equipped with effective alarm systems and strong locking systems you could get a reduced quote, as these systems reduce the risk of theft and damage when involved in an accident. Most insurance companies do not inform clients of these advantages so you may have to inform your agent of these equipments.
Most companies nowadays have a free
online quote tool
that gives you an insurance quote once you enter your details. Be sure to compare the prices and the coverage policies of all the companies before you buy. You could also avoid additional interest charges if you pay in full or choose other payment options that carry no interest charges.
DISCLAIMER: Nothing contained in this article is intended as insurance advice nor does one relying upon that which is contained herein create a client relationship with the author or his affiliates. Please contact a licensed insurance agent before taking any action on this advice.
Thank you for visiting Las Vegas Auto Insurance. The information contained herein presents general information about our agency and is not intended to constitute legal advice. Also, before acting on any of the materials presented here, we advise you to please speak to a licensed insurance agent before taking any action.